Research of the win-win credit mechanism based on game model

Based on the game theory this paper characterizes a win-win credit loan system, mainly discusses the credit loan relationship between the enterprise and the financial institution, between the enterprise and the bank, between the bank and non bank institution. Under both equity and debt financing ways, based on the decision model and the utility theory, the total utility is surely negatively related to the risk aversion degree in the harmonious financial system. And the utility of this system is only related to the rate of return and credit level of the enterprise. Finally, this paper presents the realizing path of this harmonious credit system and positive effect.